Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 09/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.603% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.710% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$7,482 Total Fees$5,082 Lender Fees
 30 Years Fixed
6.724% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$7,717 Total Fees$5,317 Lender Fees
 30 Years Fixed
6.725% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.734% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.750 Points$2,400 Points Fee
$3,595 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.754% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.991 Points$3,171 Points Fee
$4,266 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.775% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$9,405 Total Fees$7,005 Lender Fees
 30 Years Fixed
6.776% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.845 Points$2,704 Points Fee
$4,999 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.812% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.640 Points$2,048 Points Fee
$2,048 Total Fees$0 Lender Fees
 30 Years Fixed
6.887% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.785 Points$2,512 Points Fee
$8,712 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.926% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.969% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.961 Points$3,075 Points Fee
$3,075 Total Fees$0 Lender Fees
 30 Years Fixed
6.977% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.488 Points$1,562 Points Fee
$3,462 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.989% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.689 Points$2,205 Points Fee
$3,699 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.046% APR 7.000% Rate 35 day rate lock $2,129 Payment per month
0.000 Points$0 Points Fee
$1,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.821% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.724 Points$2,317 Points Fee
$2,317 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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